Health Care FAQ's

Health Care FAQ's

I retired before January 1, 2015 and am eligible for Medicare. What are my enrollment options?

If you are Medicare eligible and retired prior to January 1, 2015, your medical plan options are:

HAP Senior Plus HMO (available in Michigan only)

BCN Advantage HMO-POS (available in Michigan only)

BCBSM Medicare Plus Blue Group PPO (available anywhere in the U.S.)

You must have Medicare Part A and Part B and continue to pay your Medicare Part B premium to join a Medicare Advantage plan.

Additionally, you may elect to opt out of the above Medicare Advantage plans during the open enrollment period and receive a Health Reimbursement Account (HRA). Your HRA will be credited $115 for each month you are not enrolled in a Medicare Advantage plan offered through the VEBA during 2016. You may use this account for reimbursement of out-of-pocket qualified medical expenses. Note that if you opt out of the Medicare Advantage plan and your spouse is currently covered under your Medicare Advantage plan, you and your spouse will no longer have Medical coverage.

In addition to the Medicare Advantage plans listed above, you are also eligible to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

Delta Dental High Plan PPO

Delta Dental Low Plan PPO

Dencap Dental DHMO

Golden Dental DHMO

Blue Cross Blue Shield Dental PPO

The vision options available, at full cost, to you and your family are:

Vision Service Plan (VSP)

Heritage Vision Standard Plan

Heritage Vision National Plan

Please refer to page 5 of this letter for monthly premium rate information.

I retired prior to January 1, 2015 and am not eligible for Medicare. What are my enrollment options?

The VEBA will continue to provide benefits to non-Medicare eligible Participants through a Health Reimbursement Account (HRA). Monthly HRA benefits available to eligible VEBA Participants will remain unchanged in 2016 at the following amounts:

Although you are not eligible for Medical coverage in the Plan until your Medicare eligibility date, you are eligible to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

Dental Plan Options:

Delta Dental High Plan PPO

Delta Dental Low Plan PPO

Dencap Dental DHMO

Golden Dental DHMO

Blue Cross Blue Shield Dental PPO

The vision options available, at full cost, to you and your family are:

I retired after January 1, 2015. What are my enrollment options?

Retirees that retired after January 1, 2015 are not participants in the VEBA and are not eligible for medical coverage. You will need to obtain your own health insurance coverage for you and your dependent family members.

Although you are not eligible for Medical coverage in the Plan, the VEBA Board of Trustees have extended the option to you to enroll in optional dental and vision benefits. The dental options available, at full cost, to you and your family are:

Dental Plan Options:

Delta Dental High Plan PPO

Delta Dental Low Plan PPO

Dencap Dental DHMO

Golden Dental DHMO

Blue Cross Blue Shield Dental PPO

The vision options available, at full cost, to you and your family are:

When will my open enrollment changes take effect?

If you elected a new medical, dental and/or vision plan during the open enrollment, the coverage for your new plan will start on January 1, 2016. If you added a dependent to your medical, dental and/or vision plan, that dependent’s coverage will start on January 1, 2016. If you elected to terminate coverage during the open enrollment the coverage will end on December 31, 2015.

What is the cost of coverage for medical, dental and vision plans for the 2016 plan year?

The cost of coverage for medical, dental and vision plans for the 2016 plan year are listed below. The required monthly payment for your coverage will be automatically deducted from your monthly pension check. The payroll deductions for 2016 medical, dental and vision plans and all open enrollment changes will begin with your February 2016 pension check.

*If you are currently enrolled in Delta Dental Plan A or Plan B, you will be automatically enrolled in the Delta Low Plan if you do not make any changes. Please note, the Delta Dental benefits have changed for the 2016 Plan Year. Please be sure you review the dental summary comparison. If you wish to choose the Delta Dental High Plan or another dental provider, you will need to make that election.

Vision Plan Options

One Person

Two Person

Family

Vision Service Plan (VSP)

$5.98

$11.94

$19.24

Heritage Vision Standard Plan

$6.80

$6.80

$6.80

Heritage Vision National Plan

$7.09

$14.03

$14.03

* If you choose to enroll in a dental or vision plan in the 2016 calendar year and decide to terminate coverage anytime in the same year, you will not be eligible to re-enroll in dental or vision coverage until the 2018 calendar year.

Important message from the Trustees of the City of Detroit General Retirement System Click Here

Please be advised that due to severe weather, the US Postal Service cancelled postal service in many areas of the country for two days. Therefore, members may see a delay in the receipt of mailed checks/stubs.

Note: 1099's for 2018 have been mailed. Members can view and print the 1099's from the Paylocity website.

Important Messages:

* RSCD’s new payroll system provides retiree’s with a self-service portal called Web Pay. Retiree's can update address information, view pay stubs, update direct deposit information.Click here to view directions on how to access the new features.

* Your June 1, 2018 pension check and stub will have a different look due to the changing of check processing companies. You may also see an increase or decrease in the amount of tax withholding on your check. This may be due to the combing of multiple checks into one payment and/or a change in state tax tables. Contact RSCD if you would like to adjust your tax withholding.